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This guide walks you through creating a paymaster in the Swig Developer Portal.

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Prerequisites

Before creating a paymaster, ensure you have:
  • A paid subscription (PRO, ULTRA, or ENTERPRISE)
  • Access to the Developer Portal
  • SOL to fund the paymaster
Paymasters are not available on the FREE tier. Upgrade your subscription to access paymaster features.

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Creating a Paymaster

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Step 1: Navigate to Paymasters

  1. Log in to the Developer Portal
  2. Select your organization
  3. Click Paymaster in the sidebar

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Step 2: Create New Paymaster

  1. Click Create Paymaster
  2. Configure the settings (see below)
  3. Click Create

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Step 3: Configure Settings

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Label (Optional)

A display name for your paymaster:
  • Default: Paymaster {first4}...{last4} of the public key
  • Use descriptive names like production-mainnet or dev-testing
  • Maximum 64 characters

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Usage API Threshold

Maximum API calls per month:
  • Default: 1,000
  • Minimum: 1
  • Prevents excessive API usage

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SOL Usage Threshold

Maximum SOL to spend per month:
  • Default: 10 SOL (10,000,000,000 lamports)
  • Minimum: 0.000000001 SOL
  • Controls monthly spending

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Single TX Limit

Maximum SOL per single transaction:
  • Default: 0.1 SOL (100,000,000 lamports)
  • Minimum: 0.000000001 SOL
  • Prevents large individual transactions

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Allow Other Instructions

Whether to sponsor non-Swig instructions:
  • Default: false
  • Set to true to sponsor any transaction type
  • Use with caution (increases potential for abuse)

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Step 4: Paymaster Created

After creation, you’ll see:
  • Public Key - The paymaster’s Solana address
  • Label - Your configured display name
  • Balance - Current SOL balance (starts at 0)

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Funding Your Paymaster

After creation, your paymaster needs SOL to sponsor transactions.

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Get the Address

  1. Go to the Paymaster page
  2. Find your paymaster in the list
  3. Copy the Public Key (Solana address)

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Send SOL

Transfer SOL to the paymaster address: Using Solana CLI: 
solana transfer <PAYMASTER_ADDRESS> <AMOUNT> --allow-unfunded-recipient
Using a Wallet:
  1. Open your Solana wallet (Phantom, Solflare, etc.)
  2. Send SOL to the paymaster address
  3. Wait for confirmation

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Verify Balance

  1. Return to the Developer Portal
  2. View the paymaster’s balance
  3. The balance updates after blockchain confirmation

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Example Configuration

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Development Paymaster

For testing on devnet:
SettingValueReason
Labeldev-testingClear purpose
Usage API Threshold100Low for testing
SOL Usage Threshold1 SOLConservative limit
Single TX Limit0.01 SOLPrevent large test transactions
Allow Other IxstrueFlexibility for testing

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Production Paymaster

For mainnet applications:
SettingValueReason
Labelproduction-mainnetClear purpose
Usage API Threshold10,000Higher for production
SOL Usage Threshold100 SOLMatch expected usage
Single TX Limit0.1 SOLReasonable per-tx limit
Allow Other IxsfalseSecurity first

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Using Your Paymaster

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Get the Public Key

You’ll need the paymaster public key for API calls: 
// The paymaster address is shown in the portal
const paymasterPubkey = 'YourPaymasterPublicKeyHere...';

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Create Wallets with Paymaster

Use the paymaster when creating Swig wallets: 
import { SwigApiClient } from '@swig-wallet/api';

const client = new SwigApiClient({
  apiKey: 'sk_your_api_key',
  portalUrl: 'https://dashboard.onswig.com',
});

const { data: wallet, error } = await client.wallet.create({
  policyId: 'your-policy-id',
  network: 'devnet',
  paymasterPubkey: 'YourPaymasterPublicKey',
});
Use the paymaster to sponsor transactions: 
import { createPaymasterClient } from '@swig-wallet/paymaster-classic';

const paymaster = createPaymasterClient({
  apiKey: 'sk_your_api_key',
  paymasterPubkey: 'YourPaymasterPublicKey',
  baseUrl: 'https://api.onswig.com',
  network: 'devnet',
});

// Create a sponsored transaction
const tx = await paymaster.createLegacyTransaction(
  [yourInstruction],
  [userKeypair]
);

// Sign and send (paymaster covers the fee)
const signature = await paymaster.signAndSend(tx);

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Tier Limits

Your subscription tier limits how many paymasters you can create:
TierPaymasters Allowed
FREE0
PROLimited
ULTRAMore
ENTERPRISEUnlimited
Check your subscription status if you hit the limit.

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Multiple Paymasters

Consider creating multiple paymasters for:

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Different Environments

  • dev-devnet - Development testing
  • staging-devnet - Staging environment
  • production-mainnet - Live application

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Different Use Cases

  • user-onboarding - New user transactions
  • high-value-ops - Large transactions (higher limits)
  • automated-tasks - Scheduled operations

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Cost Tracking

  • Separate paymasters per product/feature
  • Easier to attribute costs
  • Better usage visibility

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Troubleshooting

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”Subscription required” Error

You need a paid subscription:
  1. Go to Billing in the sidebar
  2. Upgrade to PRO or higher
  3. Try creating the paymaster again

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”Paymaster limit reached” Error

You’ve hit your tier’s paymaster limit:
  1. Check your current paymaster count
  2. Delete unused paymasters
  3. Or upgrade your subscription

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Paymaster Balance is 0

The paymaster needs funding:
  1. Copy the paymaster’s public key
  2. Send SOL to that address
  3. Wait for blockchain confirmation

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Next Steps